Dodge Ram 1500 Auto Insurance (2024)

Do you want cheap auto insurance for your Dodge Ram 1500? You can buy good, cheap Dodge Ram 1500 auto insurance coverage under the right circumstances. The Dodge Ram 1500 is a multifunction tailgate pickup truck with a powerful engine and the ability to tow about 13,000 pounds, making it a popular truck across the U.S.

However, you might be wondering how much Dodge Ram 1500 auto insurance costs. Is Dodge auto insurance for Dodge Ram 1500s cheaper than the average truck? In this extensive guide, we’ll show you how to compare auto insurance to find affordable Dodge Ram 1500 auto insurance quotes. We’ve already done most of the research for you.

How does the Ram compare to other trucks? The average cost of Dodge Ram 1500 auto insurance depends on many variables, and we know you don’t have time to figure it all out on your own. We’re going to cover the types of insurance you can get for your Dodge Ram 1500 and the different features it offers.

Are you ready to buy Dodge Ram 1500 auto insurance? Compare your Dodge Ram 1500 auto insurance rates by entering your ZIP code in our free online tool above.

Dodge Ram 1500 Auto Insurance Costs

How much does it cost to insure a Dodge Ram 1500? The average auto insurance rate for a Dodge Ram 1500 is $152 per month.

Costs can vary based on the trim and model year—which raises more questions than answers. Dodge Ram 1500 insurance depends on many factors.

Your rate will likely vary from the average because so many things come into play when auto insurance rates get calculated, such as age, driving record, credit history, and coverage level. Your location also matters. Your rates will be lower than if you live in a state with high rates, making it vital to compare auto insurance rates by ZIP code.

The factors related to the vehicle itself include theft rates, claims history, and repair costs. We’ll break down each of these in the following sections.

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How Frequency of Claims Filed Affect Dodge Ram 1500 Auto Insurance Quotes

Some car models are associated with higher numbers of car insurance claims, affecting your auto insurance rates.

The following information comes from the Insurance Information Institute (III).

When it comes to losses for personal injury protection, the Dodge Ram 1500 is average. Let’s examine what some of these terms mean.

• Claims frequency: Per 100 vehicles years insured.
• Overall loss: Represents the average loss of payment in vehicle years.
• All passenger vehicles: Includes claims from cargo and passenger vans.

The results will always be from the car model’s first-year sales to the beginning of the following calendar year. If you file too many claims, it will have a direct impact on your auto insurance rates. The more claims you file, the higher your car insurance will be. If you file too many claims, your auto insurance company will not likely renew your policy.

As a Dodge Ram 1500 owner, you should have the minimum auto insurance requirements for your state.

• Bodily injury: Bodily injury coverage pays for medical bills for an accident where you were at fault.
• Property damage: Property damage coverage pays the cost of repairs for an accident where you were at fault.

Each state will have its own minimum requirements for bodily injury liability auto insurance and property damage coverage. To go above the minimum, drivers can opt for full coverage auto insurance, usually consisting of collision, comprehensive, and liability coverage.

How much is full coverage for a truck? The full coverage insurance costs for trucks can range between $120 and $400 per month depending on the vehicle make and model.

Full Coverage Auto Insurance Rates for Dodge Ram 1500

You may be wondering, “Do I need full coverage insurance to finance a car?” The answer is yes, to protect the financer’s interest in the vehicle. Lenders can take out force-placed insurance to cover your vehicle if you don’t carry the required insurance.

This coverage only protects the lender and doesn’t cover you if you get in an accident. Force-placed insurance is something that you pay for, and it’s expensive.

You can save more money by purchasing full coverage auto insurance. Here’s a list of the full coverage auto insurance rates for the Dodge Ram 1500.

These insurance rates are average for the trim and model and with the assumption that the driver is a 40-year-old male with full coverage who pays a $500 deductible.

How Size and Class of the Dodge Ram 1500 Affects Liability Auto Insurance Rates

The Dodge Ram 1500 is a large pickup with a crew cab. The class of the Dodge Ram 1500 and other pickup trucks is determined by the gross vehicle weight rating created by the U.S. Department of Transportation.

Heavier vehicles provide better protection for the occupants than smaller, lighter vehicles. Large vehicles have more protection in frontal crashes and will continue to move forward in crashes with smaller vehicles or when faced with obstacles.

Lighter vehicles will be at a disadvantage in a car accident. However, car manufacturers have reduced the threats that pickups and SUVs pose to other vehicles in a crash.

In 2018, there were 4,369 vehicle occupant deaths and 3,542 driver deaths for pickups. Pickups had the fewest fatalities for drivers and passengers compared to cars and SUVs.

If you have liability coverage, you’ll have bodily injury liability. As mentioned before, this helps pay medical bills for the other parties involved in a car accident you caused.

Below are the losses for bodily injury for popular pickups, according to the Insurance Institute for Highway Safety.

The loss percentages represent the cost of claims for the vehicle compared to the premiums taken in by insurance companies for that vehicle.

Positive numbers indicate the vehicle is worse than average (more claims filed), and negative numbers are better than average (fewer claims filed). Compared to other vehicles, the Dodge Ram 1500 is worse than average.

When you get auto insurance for your Dodge Ram 1500, you can decide to get high, medium, or low coverage. Below are the average insurance rates for the Dodge Ram 1500.

The rates above considers a 36-year-old woman who pays a $500 deductible.

But what is the average cost of auto insurance for a Dodge Ram 1500? Let’s examine the cost of liability auto insurance for a Dodge Ram 1500.

You’ll notice that older Dodge Ram 1500 vehicles have higher liability costs. Older vehicles have been through several claims, crash test ratings, and safety ratings. Those results conclude that some of the older Dodge Ram 1500s are more likely to be in a liability claim.

That could mean there are older Dodge Ram 1500s, or it could mean the new model years have done a better job of staying away from claims.

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MRSP of the Dodge Ram 1500

MSRP stands for manufacturer-suggested retail price or the sticker price — this is the recommended price for new cars. Below are the fair market range and the MSRP for the Dodge Ram from the past five years.

The data above comes from Kelley Blue Book.

The fair market range is the range of prices that a person will pay for a vehicle. The difference between MSRP and fair market range is that you can negotiate an MSRP.

The fair purchase price is what consumers are likely paying for the vehicle. The MSRP doesn’t directly affect auto insurance rates, but other factors do, such as your driving record, age, and location.

The age and value of your truck can affect insurance rates as well. Here’s a simplified look at the MSRP and FMR of a Dodge Ram 1500.

The newer Dodge Ram 1500s are worth more. All vehicles lose their value once they leave the lot. Therefore, your Dodge Ram 1500 auto insurance rates will increase as the value of your truck gets higher. However, your car insurance rates can vary based on the coverage.

How MSRP of the Dodge Ram 1500 Affects Collision Auto Insurance Rates

Collision insurance pays to repair damage to your vehicle after an accident, regardless of who was at fault. Below are auto insurance rates for collision coverage for the Dodge Ram 1500 for different years.

The rates from this table are based on a 40-year-old male driver with a $500 deductible. Depending on where you live, you may pay more or less for auto insurance. For example, your rates may increase or decrease if you move from one ZIP code to the next.

The information in the table above comes from the Insurance Institute for Highway Safety (IIHS).

Looking at the loss percentages for collision insurance, the Dodge Ram 1500 was average. In addition, some models of the vehicle were better than average.

How MSRP of the Dodge Ram 1500 Affects Comprehensive Auto Insurance Rates

When you have comprehensive insurance, it covers damage to your vehicle not caused by a collision. Below are comprehensive auto insurance rates for the Dodge Ram 1500.

The information in the table above uses the same driver parameters as the previous section and also comes from the IIHS.

The Dodge Ram 1500 was average for comprehensive insurance compared to other vehicles. Some models of the Dodge Ram 1500 were better than average.

Dodge Ram 1500 Theft Rates

In addition to the vehicle’s overall value, insurance companies gauge how likely a vehicle will get stolen. It costs an insurer a lot to replace a vehicle under comprehensive coverage. So the car insurance company will offset the risk with a higher premium.

You can help reduce the likelihood of theft by installing car alarms, tracking systems, and other devices to help prevent theft and ensure you recover your vehicle.

The National Insurance Crime Bureau (NICB) annually compiles a top 10 list of the most frequently stolen vehicles.

A full-size Dodge Ram 1500 pickup is one of the most frequently stolen cars, ranked at number nine on the list. There were 1,155 Ram trucks stolen in 2001.

How Theft Rates Affect Dodge Ram 1500 Auto Insurance Rates

If you live in an area where cars often get stolen, you’ll pay more for auto insurance. Since the Dodge Ram 1500 is a commonly stolen vehicle, your comprehensive insurance rates will likely be higher than rates for other vehicles.

Since thefts are more common in urban areas, your rates will be higher if you live in the city. In addition, if your ZIP code has a high crime rate, you’ll pay more for your comprehensive auto insurance.

Keep reading for more information on what influences Dodge Ram 1500 insurance costs and other models.

How Auto Insurance Quotes for the Dodge Ram 1500 Compare to Other Trucks

If a powerful pickup truck suits your driving needs best, then you’re probably well aware of the Dodge Ram 1500. However, while you’re reviewing each truck’s price tag and capabilities, you should also consider Dodge Ram 1500 insurance costs before making your decision.

We’ve mentioned other vehicles in the previous sections but didn’t show how the Dodge Ram 1500 compares against other trucks. Let’s compare the Dodge Ram 1500 car insurance rates to the most popular trucks in the United States.

The Dodge Ram 1500 has one of the most expensive monthly car insurance rates compared to other vehicles.

Depending on the company and other factors that determine auto insurance, you could pay less under the right circumstances. Continue reading to learn how you can save money on a Dodge Ram 1500.

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How to Save on Dodge Ram 1500 Auto Insurance

Before you compare the insurance rates of the Dodge Ram 1500, it’s important to consider your circumstances.

In other words, what you might pay to insure your Dodge Ram 1500 could be very different from what someone with the same truck might pay.

The more likely someone is to get into an accident and file an auto insurance claim, the more a company will charge them to insure their car. If you have a great driving record, there’s a good chance your insurance rates will be lower than those of someone who has caused several accidents. Alternatively, if you’ve received several speeding tickets, you’ll probably pay more for Dodge Ram insurance rates than someone who hasn’t.

If you live in the city and drive your Dodge Ram 1500 daily, your insurance will likely be more expensive than someone who drives their truck occasionally on a farm. Even if you’re a great driver, the more your truck is on the road and in heavy traffic, the more likely an accident is.

Also, many companies look at a customer’s credit rating when setting car insurance rates. Although someone might have a pristine driving record, they may have to pay higher rates if they have a bad credit rating.

If a customer has had difficulties paying their bills on time, a provider will charge them more.

Required Auto Insurance Coverages for the Dodge Ram 1500

How much insurance coverage a driver decides to buy will also affect their rates. For example, if one Dodge Ram 1500 owner buys plenty of coverage for their truck, but another driver purchases a minimum amount, the first driver will pay more.

Car accidents have serious and costly effects. However, having good coverage could save you from financial ruin.

Liability insurance pays for damages you cause to a person or property in an accident. Nearly every state requires drivers to have liability insurance for their vehicles. The minimum amount you’re required to have varies from state to state.

You can check with your state’s regulating body to determine the requirements. For example, the Oregon Department of Motor Vehicles oversees the state’s insurance regulations.

In addition to liability car insurance, many drivers purchase other policies like collision and comprehensive for their vehicles. Collision insurance pays for the repairs your car needs in an accident you cause.

Comprehensive insurance covers damages that don’t happen in a car accident. For example, if your Dodge Ram 1500 is broken into or vandalized, comprehensive insurance would cover the repairs.

When you’re reviewing the average auto insurance rates of the Dodge Ram 1500, it’s important to remember that you could be quoted something above or below that average.

In addition to the truck, your circumstances and how much insurance you buy will affect your insurance rates.

Other Dodge Ram 1500 Auto Insurance Coverages

In this section, we’re going to cover how safety ratings affect personal injury protection and medical payment insurance. We’ve included more data from the IIHS to show you how claims affect these coverages.

A number of the top factors that affect auto insurance rates are based on you, the driver. Others are based on the insurance company you choose. Two different companies can have drastically different rates for the same types of coverage, as you may see while searching for rates.

How Dodge Ram 1500 Safety Ratings Affect Personal Injury Protection Auto Insurance Rates

Personal injury protection auto insurance covers medical expenses and lost wages. This type of coverage protects you, and it doesn’t matter if you were at fault for the accident.

The Dodge Ram 1500 was better than average when it came to the losses for personal injury protection.

How Dodge Ram 1500 Safety Ratings Affect Medical Payments Auto Insurance Rates

Medical payments auto insurance covers medical expenses for all passengers involved in the accident.

For the Dodge Ram 1500, the losses for medical payments coverage are better than average.

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How Dodge Ram 1500 Safety Features Can Help Me Save on Auto Insurance

As a driver, you’ll likely appreciate the safety features of the Ram 1500. The truck uses the latest technology to help drivers prevent accidents and to protect them during a collision.

All Ram 1500s have blindspot monitoring, Rear Cross Path, and Trailer Detection. These features scan areas you can’t see while driving and ensure your trailer is safe while maneuvering.

Here’s a complete list of the Dodge Ram 1500 Safety Features:

• Driver air bag
• Passenger air bag
• Front head ar bag
• Rear head air bag
• Front side air bag
• 4-wheel ABS
• 4-wheel disc brakes
• Brake assist
• Electronic stability control
• Daytime running lights
• Child safety locks
• Integrated turn signal mirrors
• Traction control
• Blind spot monitor
• Lane departure warning
• Lane keeping assist
• Cross-traffic alert

The truck has 14.9-inch stand brakes to help you when you stop. In addition, it includes six air bags in the front and sides of the truck.

If an accident were to happen, the front air bags have adaptive venting technology that opens a vent within the air bag cushion. This air bag will adapt to the occupant’s size in the front seat and the severity of the crash.

Dodge Ram 1500 Safety

In 2019, the Dodge Ram 1500 got an update that enhanced the truck’s safety features and improved its safety ratings as well. Due to the 2019 updates, the Insurance Institute for Highway Safety (IIHS) named this vehicle a Top Safety Pick, affecting the 2019 Dodge Ram 1500’s auto insurance rates positively.

Examine the IIHS Safety Ratings below.

For the overall evaluation, the Dodge Ram 1500 received a G for “good.” For the structure and safety cage, it also received a rating of G. For driver injury measures, the truck rated all Gs.

However, the Dodge Ram 1500 scored an “M” (marginal) for lower foot/leg. After the crash tests, the dummy’s position in the truck indicated that the driver’s survival space held up well after the crash.

Redesigned models built after July 2018 have the cab mounts to the vehicle frame at the C-pillars strengthened to improve passenger protection in frontal crashes.

The front and side air bags helped keep the driver’s head from hitting the steering wheel. However, the lower left leg area showed some risk for injury for both crash tests done on the Dodge Ram 1500.

Crash test ratings reveal how a car handles damage from a crash and how well it protects the driver and other passengers. The National Highway Traffic Safety Administration (NHTSA) also performs crash tests to determine the vehicle’s safety.

Dodge Ram 1500 Safety Ratings Compared to Other Vehicles

The Dodge Ram 1500 was tested along with other popular trucks. So let’s compare the Dodge Ram 1500 NHTSA crash test ratings to other popular truck models.

Compared to other trucks, the Dodge Ram 1500 is a tough competitor for other trucks. The Ford F-150 has slightly better crash ratings, but all trucks in the data are considered the best in the United States.

Dodge Ram 1500 Safety Ratings Compared to Other Vehicles of the Same Size and Class

In 2018, there were 34 deaths for pickup drivers per million registered vehicles compared to only 23 deaths per million registered vehicles for SUVs. For all occupants, pickups had 42 deaths, compared to 32 deaths for SUVs.

Below are the deaths per million registered vehicles for pickups of various sizes provided by the IIHS.

The Dodge Ram 1500 is categorized as a large pickup. As you can see in the table above, large pickups had the highest number of deaths per million vehicles. The table below shows deaths by impact point and vehicle type for single vehicles.

Compared to SUVs and cars, pickup trucks had the fewest deaths by impact point. The table below shows deaths by impact point and vehicle type for multiple vehicle crashes.

Pickups had the fewest deaths for multiple vehicle crashes compared to cars and SUVs.

How Much it Costs to Repair a Dodge Ram 1500

The annual average cost of repairs for a Dodge Ram 1500 is $691. This cost includes oil changes. Below are the costs for maintenance by mileage over five years.

Below are costs for repairs to certain vehicle parts of a Dodge Ram 1500.

Getting repairs for certain parts of a truck will cost more than others. When you get repairs, you’re not just paying for the part to be fixed but to have your car look new again.

This includes paying for body labor, paint supplies, color tint, hazardous waste disposal, and sand buff.

How Cost of Repairs Affect Collision and Comprehensive Auto Insurance Rates

Comprehensive insurance covers you when you have damage to your car from things other than a car accident.

Let’s say that a tree falls on your truck after a really bad thunderstorm. Your comprehensive insurance will pay for this damage. However, this coverage only applies to damage from incidents that aren’t car accidents.

Collision insurance covers you when you get into a car accident, and the other person’s liability won’t pay for the damages. Usually, this would be a situation where you were at fault or a hit-and-run.

With this coverage, you can repair or replace your car. If you rear-end another driver and damage your vehicle, you would use collision insurance.

The cost to repair a vehicle affects the insurance rates for both coverage options. A car that is older and not worth much will have much lower collision and comprehensive rates than a brand-new vehicle.

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